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Commercial Card Programs
Find the Commercial Card That's Right for You
Simplify the way your business pays, tracks, and manages expenses. Whether you're purchasing supplies, managing employee travel, or paying vendors, Paducah Bank's commercial card solutions help streamline spending, strengthen financial controls, and reduce manual processes. With powerful reporting, flexible spending controls, and seamless integration with many accounting and ERP systems, our business cards are designed to help your organization operate more efficiently.
Commercial Rewards Card
More than a business credit card, the Commercial Rewards Card combines purchasing, expense management, and travel tools into one scalable solution. Designed for organizations with annual card spend between $250,000 and $10 million, it helps simplify operations while improving visibility and control.
- A choice of rebates or points with lower spend thresholds than many commercial cards.
- No annual fee.
- Liability at the corporate level with no personal guarantee required.
- Customized spend controls, including spending limits, spending categories, and cash access.
- Integrate card, expense, and travel management through the intuitive Elan NextView™ platform, including easy issuance of physical or virtual cards, streamlined expense submission, and built-in travel policies.
One Card
Empower your business with a commercial card that delivers simplified expense management, robust reporting, and improved control. The Commercial One Card combines powerful purchasing capabilities with benefits for corporate travelers in a single card program, offering the convenience of one process, one platform, one invoice, and one card.
- Earn rebates on qualifying purchases and increase savings by consolidating travel and procurement spending on one card.
- Maintain expense policy compliance with customizable, dynamic spending controls and robust reporting.
- Manage both physical and virtual cards through the versatile One Card platform. Eliminate manual data entry by integrating card data via API or file transfer with common accounting and ERP systems.
- Reduce personal exposure with corporate liability.
- No annual fee.
Frequently Asked Questions
Elan NextView is an integrated platform that combines card administration, expense management and travel booking in a single, intuitive experience. It’s designed for growing organizations that need modern tools without unnecessary complexity. NextView helps you gain visibility, strengthen controls and improve productivity.
Manage your program through one login, one workflow and one data source, so your team can spend less time reconciling and more time moving your business forward.
Key Features
- Real-time card administration with customizable spending limits, merchant category controls, and activity alerts.
- Automated expense management with digital expense reports, receipt capture, and customizable approval workflows.
- Built-in expense and travel policy enforcement to improve compliance and reduce exceptions.
- Configurable dashboards and reports for monitoring spending, trends, and cash flow.
- Integrates with QuickBooks®, NetSuite, and other accounting or ERP systems.
- Centralized travel booking with automatic receipt matching and expense reconciliation.
Key Benefits
- Reduce manual data entry and save valuable administrative time.
- Improve visibility into business spending with real-time reporting and analytics.
- Strengthen spending controls and enforce company policies automatically.
- Simplify travel and expense management for employees and finance teams.
- Increase accuracy through automated reconciliation and accounting integration.
- Help improve cash flow and make more informed financial decisions.
Virtual Pay provides an efficient, scalable and highly secure digital solution for paying suppliers and streamlining expense management.
Key Features
- Earn rebates on eligible purchases.
- Increased payment security to help reduce fraud risk.
- Customizable spending controls at the account, transaction, or supplier level.
- Issue, adjust, or cancel virtual cards instantly as business needs change.
- Integrated platform for managing cards and expenses with support for common accounting and ERP systems.
- Corporate liability with flexible billing options.
Key Benefits
- Improve spending controls with unique virtual card numbers tied to specific vendors, transactions, timeframes, or purchase amounts.
- Simplify expense management and reconciliation by replacing manual processes with a digital payment solution.
- Enhance working capital by extending payment float while providing suppliers with predictable payment timing.
- Reduce manual data entry and minimize errors by integrating transaction data directly with your finance, ERP, or HRIS systems.
- Earn rebates on eligible purchases to help offset business expenses.
Modern financial technology can deliver surprisingly significant savings by re engineering traditional invoice to pay processes. Replacing outdated paper documents and manual tasks with digital files and electronic workflows, accounts payable (AP) automation streamlines invoice acceptance, approval, payment and reconciliation. Integration with finance and ERP systems enables seamless data transfer and disburses multiple payment methods including virtual cards, ACH and checks from a single payment instruction file.
Key Features
- Automates accounts payable workflows from invoice receipt and approval through payment and reconciliation.
- Simplifies reconciliation while improving payment timing and working capital management.
- Provides detailed reporting by project, vendor, and timeframe for greater financial visibility.
- Supports digital payments through virtual cards and ACH to improve efficiency and increase rebate opportunities.
- Customizable approval workflows align with your organization's policies and processes.
- Reduces fraud risk with secure digital audit trails and dual-approval controls.
Key Benefits
- Save time and reduce costs by eliminating manual data entry, paper checks, and mailing expenses.
- Improve working capital with precise payment timing and increased use of virtual card payments.
- Gain real-time visibility into cash flow, supplier spending, and payment activity with comprehensive reporting.
- Scale your accounts payable process without adding staff by automating routine tasks and approvals.
- Strengthen financial controls by reducing errors, minimizing fraud risk, and creating a clear digital audit trail.
Looking for More Than a Commercial Card?
Explore Treasury Management
Disclosures
Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.Elan Financial Services may change APRs, fees and other Account terms in the future based on your experience with it and its affiliates as provided under the Cardmember Agreement and applicable law.
Subject to credit approval
*The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. The rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. We apply payments to balances with lower APRs, including promotional APRs, before balances with higher APRs.
¹ Smart Business Rewards Card: You will earn 1 Point for every dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 1 additional bonus Point (for a total of 2 Points) for every dollar in eligible net purchases in your top two highest merchant spend categories ("Highest Categories") each billing cycle. Highest Categories can change with each billing cycle, depending on your purchase behavior during a particular billing cycle. Highest Categories automatically adjust to reward you on where you spend the most. Some exclusions apply. Please visit https://card.myaccountaccess.com/smartbusinessVisa to see the full list of eligible merchant categories. Merchants are assigned codes based on what they primarily sell. Elan Financial Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. A purchase will not earn additional points if the merchant's code is not eligible. Points expire five years from the end of the quarter in which they are earned.
² A one time bonus of 20,000 points will be awarded if you are approved and eligible. Net Purchases totaling $500 or more are made on the Authorized Officer's card within the first 90 days of account opening. These bonus points will be awarded on your monthly billing statement. This offer may not be combined with any other bonus offer. Additional bonus points are earned only on Authorized Officer purchases. Net purchases are purchases minus credits and returns. Rewards are earned based on eligible net purchases. Not all transactions are eligible to earn rewards, such as Cash Advances, Balance Transfers, and Convenience Checks. Upon approval, see your Cardmember Agreement for details. Please allow 6-8 weeks for your bonus points to be credited to your account.
³ The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
⁴ Business Cash Preferred Card: You will earn 3% cash back for every dollar in eligible net purchases at merchants classified as gas stations, office supply stores, dining, restaurants, fast-food restaurants, bars, food delivery services and cell phone service providers. All other net purchases will earn 1% cash back. Purchases at gas stations greater than $200 are not considered an automotive gasoline purchase and will therefore earn 1% cash back. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within one to two billing cycles, or as a statement credit to your credit card account within one to two billing cycles, or a Rewards Card ($25 minimum redemption).
⁵ Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, within seven business days, or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. First use bonus points are awarded only on the Authorized Officer purchases. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.
⁶ Real Rewards: You will earn 1.5 Reward Points ("Points") for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
⁷ Business Cash Preferred Card: An automatic statement credit of $100 per 12-month period will be applied to your Business Cash Preferred Account within 2 statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.